BlastPoint's Banking Scorecard

Cenlar FSB

$100M-$1B Specialty: Mortgage NJ FDIC cert 30996

Ewing, NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
Deposits -6.3% year over year ($442.8M on the books).
Delinquency rate 0.21%.
Return on assets -1.23%.
Efficiency ratio 104.13% vs a 64.48% peer average.
Loan-to-deposit ratio 45.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

Cenlar FSB has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 33.1% in tier
+ Non-Interest-Bearing Deposit Share 77.97% above tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 9.7% in tier
- Deposit Outflow: Bottom 17.9% in tier
- Liquidity Overhang: Bottom 38.3% in tier
- Return on Assets 2.56% below tier average
- Net Interest Margin 1.11% below tier average

Get updates when Cenlar FSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$782.0M -10.7% YoY -9.5% QoQ	+$395.5M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	Top 8.8% in tier
Total Loans ?	$202.2M -11.9% YoY -22.9% QoQ	-$56.2M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$442.8M -6.3% YoY -13.3% QoQ	+$116.0M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	-1.23% -149.5% YoY -177.6% QoQ	-2.56%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 1.1% in tier
Net Interest Margin ?	2.87% -7.6% YoY -0.3% QoQ	-1.11%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 7.0% in tier
Efficiency Ratio ?	104.13% +10.9% YoY +3.1% QoQ	+39.65%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 2.0% in tier
Delinquency Rate ?	0.21% -94.4% YoY -96.0% QoQ	-0.71%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	45.66% -6.0% YoY -11.0% QoQ	-32.29%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Top 6.4% in tier
Non-Interest-Bearing Deposit Share ?	100.00% 0% YoY 0% QoQ	+77.97%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.06% -94.5% YoY -96.6% QoQ	-0.61%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	44.07% -4.5% YoY +2.0% QoQ	+28.16%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	Top 1.2% in tier
Non-Interest Income / Assets ?	25.50% -2.5% YoY +95.5% QoQ	+24.93%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Top 0.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	100.0% 0.0pp YoY 0.0pp QoQ	+77.9pp	22.1%	16.6%	22.2%	100%
Brokered Deposits	n/a	n/a	7.9%	10.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	6.5%	12.5%	n/a
CRE	n/a	n/a	39.5%	56.3%	41.4%	n/a
1-4 Family	100.0% -0.3pp YoY -0.3pp QoQ	+67.4pp	32.6%	39.4%	31.3%	100%
Consumer	n/a	n/a	4.1%	4.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	44.1% -2.1pp YoY +0.9pp QoQ	+25.2pp	18.8%	18.8%	19.7%	98%
Leverage Ratio	16.6% +1.1pp YoY -1.3pp QoQ	+4.4pp	12.2%	13.4%	12.6%	92%
Total Capital Ratio	44.1% -2.3pp YoY +0.6pp QoQ	+24.1pp	19.9%	19.8%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	1,578 -326 (-17.1%) YoY -62 (-3.8%) QoQ	+1,519	58	336	482	100%
Assets per Employee ($)	$495,589 +7.7% YoY -6.0% QoQ	-$7.0M	$7.5M	$11.2M	$8.8M	0%
Branch Count	1 0 YoY 0 QoQ	-4	4	20	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY -5.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	31%
Allowance Coverage	0.01x -87.8% YoY -83.3% QoQ	-24.14x	24.15x	6.57x	20.23x	0%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	-7.0% -23.4pp YoY -4.5pp QoQ	-19.2pp	12.2%	6.4%	11.6%	1%
Cost of Funds (YTD)	n/a	n/a	1.7%	1.9%	1.7%	n/a
Net Income ($, YTD)	$-5231000.0 -146.2% YoY — QoQ	-$7.8M	$2.6M	$19.8M	$40.4M	0%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#220 of 661 • Top 33.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 25.50%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: -1.23%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (3)

Efficiency Drag

risk

#36 of 361 • Bottom 9.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 104.13%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#97 of 535 • Bottom 17.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#285 of 742 • Bottom 38.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 44.07%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 45.66%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 100.00%

Peer Median: 22.03%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 25.50%

Peer Median: 0.57%

#7 of 2643 Top 0.2% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 44.07%

Peer Median: 15.91%

#34 of 2643 Top 1.2% in $100M-$1B

169

Loan-to-Deposit Ratio

liquidity

Value: 45.66%

Peer Median: 77.95%

#169 of 2643 Top 6.4% in $100M-$1B

234

Total Assets

size

Value: $782.04M

Peer Median: $386.57M

#234 of 2643 Top 8.8% in $100M-$1B

586

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#586 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (3 metrics)

2614

Return on Assets

profitability

Value: -1.23%

Peer Median: 1.32%

#2614 of 2643 Bottom 1.1% in $100M-$1B

2591

Efficiency Ratio

profitability

Value: 104.13%

Peer Median: 64.48%

#2591 of 2643 Bottom 2.0% in $100M-$1B

2459

Net Interest Margin

profitability

Value: 2.87%

Peer Median: 3.99%

#2459 of 2643 Bottom 7.0% in $100M-$1B